Monthly fee
$0
$0 a year for an everyday customer: fees and interest, $2,000 kept.
UMB Bank · Checking account
UMB Free Checking
$0 a year for an everyday customer. No monthly fee. $10 to open.
- A year, everyday customer
- $0
- Monthly fee
- Receipt · Monthly feeChecked Nov 1, 2026
Issuer's page · umb.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 1, 2026
Issuer's page · umb.com
The source states this figure; we have no exact sentence on file yet.
Features
- Bill pay
- Branch access
- Card lock
- Debit card
- Joint accounts
- Minor accounts
- Mobile check deposit
- Online opening
- Overdraft line of credit
- Overdraft protection transfer
- Spending alerts
- Support 24/7
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Fees
Who can open it
- Where
- Arizona, California, Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, New Mexico, Oklahoma, Texas, Utah, Wisconsinlocations.umb.com, checked Nov 1, 2026
- Minimum age
- 18locations.umb.com, checked Nov 1, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money